Ujwayelene nokutshala izimali kuma-equities, mutual funds, kanye nezimakethe zamasheya. Kodwa i-portfolio diversification theory isitshela ukuthi u-95% wezinzuzo zephothifoliyo zivela ekuhlukaniseni phakathi kwezinye izigaba zempahla.
Imali engenayo engaguquki noma amabhondi, indawo yokuhlala neyohwebo, ukuqashiswa kwempahla, i-inventory, ukutshalwa kwezimali kwe-venture capital, noma ukutshala imali kwengelosi ezinkampanini kuhlinzeka ngempahla ehlukile ehlukanisa iphothifoliyo yakho ngale kwempahla evamile njengama-equity kanye igolide.
Ukutshalwa kwezimali okuhlukile kwangaphambilini kwanikelwa kubantu abanenani eliphakeme abanosayizi wethikithi elikhulu le-investimenti.
I-Wint Wealth ne-Grip Invest ezinye izinkundla zokutshala izimali ongatshala ngazo futhi uhlukanise iphothifoliyo yakho phakathi kwezimpahla ezingahlobene.
Ezikhathini zokuntengantenga, ukutshala izimali kwezinye izindlela kuyindlela ephumelelayo yokwehlukanisa ubungozi.
Isiphi isiphakamiso sebhizinisi esiyinhloko se-Wint and Grip?
UWint uklame indlela eqinile yokwenza lula ukujula kwemakethe yebhondi e-India ngokubamba iqhaza kwezitolo.
E-India, ukutshalwa kwezimali ezimakethe zamabhondi kukhawulelwe ekutshalweni kwezimali kwamabhange okuhweba kanye nezimali ezihlanganyelwe zamabhondi. UWint ubheka amabhondi ezinkampani ezizimele noma izikweletu ezinhle zezinkampani, ezinikeza isivuno esikhulu.
Uma utshala imali ngesikhwama sebhondi, isivuno se-mutual fund yebhondi sincishiswa yizindleko zokuphatha impahla zoMphathi wesiKhwama kanye nezinye izindleko zokusebenza.
Njengoba izimbuyiselo zesikhwama sebhondi nazo zikhokhiswa intela, awutholi isilinganiso esiphezulu sembuyiselo kumabhondi. Ngaphambilini, ubuncane bokutshalwa kwezimali bebukhulu ngokunqatshelwe uma kuthengwa amabhondi, ekhonjwe ku-Rs. 10 Lakhs ngebhondi ngayinye. Lokhu kusho ukuthi awukwazanga ukudala iphothifoliyo yebhondi yakho ngokusebenzisa utshalomali oluqondile.
Ubusika kwenza kube nokwenzeka ukuthi utshale ngokuqondile kumabhondi ngokuthola amabhondi abe yinani elincane elincane elifanele abatshalizimali abadayisayo. I-Wint ikuvumela ukuthi utshale ngokuqondile kumabhondi akhishwe yi-NBFC, athwala isivuno esikhulu ngokutshalwa kwezimali okuncane okungama-Rs 10,000.
Ngaphandle kweprimiyamu ephakeme kancane ekhokhwa ekuthengeni ibhondi, yizintela kuphela ezizonciphisa isamba sesivuno sakho. Lokhu kunikeza ukusabalala okukhulu uma kuqhathaniswa nezimali ezifakwa ebhange ezivamile, futhi kunenzuzo yokwenza izinkokhelo zeholo elingaguquki.
Gamba, ngokuphambene, inikeza amachibi empahla avikelekile afana nokuqashiswa kwempahla, uhlu lwamagama, ukuthengisa izindlu kanye nezimali zebhizinisi nokuqalisa. Futhi, lezi zimpahla zinikezwa ngenani eliphansi lokudayisa, okwenza ukutshala imali kube lula.
Zombili ziyizinkundla ze-fintech eziku-inthanethi ezinikeza enye imali etshaliwe evikelekile emananini amancane okuthengisa lapho umtshali-zimali omncane angabamba iqhaza khona.
Umkhathi wokutshalwa kwezimali okunikezwa yibona wukusuka ekutshalweni kwezimali okuvamile, owaziwa nguwe futhi okunikeza amathuba amahle okuhlukahluka kwephothifoliyo yakho kanye nemithombo yemali engenayo.
Ukutshalwa kwezimali kwabo kuhlinzeka ngezindlela zengeniso ezivamile, ngaphandle kwezabelo ezizimele, lapho imbuyiselo itholwa kuphela nge-IPO kanye nokufakwa kuhlu kusitokofela.
Umehluko Oyinhloko phakathi kwe-Wint ne-Grip
S.No | Imininingwane | Ubusika | Gamba |
1 | Uhlobo lokutshalwa kwezimali | Amakhulu, Amabhondi Avikelekile we-NBFCs | Ukuqashiswa kwempahla evikelekile, i-inventory kanye nezindawo ezithengiswayo zonke zisekelwa yimpahla, kanye ne-venture capital/ukuqala kokulingana |
2 | Ukutshalwa kwemali okuncane | Rs 10,000 | Iyahluka kuma-Rs. 10,000 ngokuqashiswa kwempahla kanye nempahla ekhuphukela ku-Rs. 1,00,000 yezindawo ezithengiswayo nezohwebo |
3. | Ukuphepha/Isibambiso | Amabhondi angamabhondi amakhulu okusho ukuthi asekelwa yisibambiso futhi akleliswa kuqala enkokhelweni yenzalo nasekukhokheni uma inkampani isiqedwa. | Ukuqashiswa kwempahla, i-inventory, kanye nezohwebo kusekelwa impahla, okusho ukuthi zikhokha ngokugeleza kwemali kwempahla. Imali yebhizinisi noma imali yokuqala iyingozi futhi ingaphansi kokusuka ngempumelelo kwebhizinisi |
4 | I-tenor ye-investimenti | Ngokuvamile kufika eminyakeni emibili. | Kunikezwa ama-tectors ahlukahlukene, ukutshalwa kwezimali kwe-inventory kusuka ezinyangeni ezi-1 kuye kweziyi-6 kanye nokuqashisa okuxhaswe yimpahla kusuka ezinyangeni ezingama-24 kuye kwezingama-36. Ukutshalwa kwezimali kwezindlu nezindlu kune-tenor ende, futhi imali yebhizinisi kanye nemali yokuqala kuyisikhathi eside kuze kufike ekuphumeni kokutshalwa kwezimali. |
5 | Izinkokhelo zembuyiselo | Izinkokhelo zenzalo yebhondi zingaba ingxenye yonyaka noma ngekota. | Izinkokhelo zanyanga zonke esimweni sokuqashisa okuxhaswe yimpahla noma i-inventory, indawo yezentengiselwano ikhokha izinzuzo njalo ngekota, futhi esimweni semali yebhizinisi, imbuyiselo itholwa ngokusekelwe kokuningi isibambiso esikutholayo ekufakweni kuhlu. |
6 | Veza | Isivuno singase sibe cishe ngo-11% ngentela yangaphambi kwentela | Izivumelwano zokuqashisa ezisekelwa yimpahla zinikeza isivuno esingafika ku-21% ngaphambi kwentela, i-inventory inikeza isivuno sangaphambi kwentela esingu-12%, izindlu ezithengiswayo zinikeza u-11% wentela yangaphambi kwentela, futhi imali yebhizinisi ingaba izikhathi eziningi ngokusekelwe ohlwini oluyimpumelelo. |
7 | Ingozi engaphansi | Ikhredithi yebhizinisi ye-NBFCs | Ukuqashiswa nokusungula izikweletu zebhizinisi, isikweletu sezentengiselwano singabaqashi be-MNC, kanti imali yebhizinisi iwukutshalwa kwezimali kanye nozakwethu bebhizinisi (isigaba esisengozini enkulu). |
Ungafunda isibuyekezo sethu esigcwele I-Grip Invest lapha. Futhi, ungafunda futhi ngokugcwele kwethu Ukubuyekezwa kwe-Wint Wealth, lapha.
Ukufana phakathi kwe-Wint ne-Grip
Zombili ziyizinkundla zobuchwepheshe eziku-inthanethi ezisiza ukutshala imali kalula. Zombili zihlinzeka ngenye indlela yokutshala izimali. Zombili zihlinzeka ngamathuba okutshalwa kwezimali asekelwa impahla kubatshalizimali abadayisayo. Bobabili bayasiza iphothifoliyo yakho ukuhlukahluka ngokunikela ngezimpahla ezingahlobene. Ukutshalwa kwezimali kwabo kuyimpahla ekhiqiza kakhulu.
Ukutshalwa kwezimali okunikezwa yizo zombili kungaphansi kwengcuphe yokuzenzakalelayo yesikweletu endabeni yamabhondi, ukuqashisa okuxhaswe yimpahla, i-inventory, kanye nezindawo ezithengiswayo.
Kukhona futhi ingozi ye-liquidity kanye nengozi yokukhwabanisa. Ukutshalwa kwezimali kwabo kunikeza isivikelo ngoba kuyisibambiso. I-Venture capital ingaphansi kwengozi yemakethe evela ezimakethe zamasheya noma ukungatholi izinzuzo zokufakwa ohlwini ekuhwebeni.
Futhi, ama-startups yizinkampani ezisafufusa amamodeli azo ebhizinisi angahluleka, okuholela ekulahlekelweni kwezimali zakho.
Ukuthatha okubalulekile:
Njengomtshali-zimali odayisayo, unethuba elingakaze libonwe lokutshala izimali kwezinye izindawo. Ngeminikelo yabo eku-inthanethi, Ubusika futhi Gamba banikeze ithuba elihle lokuhlukanisa i-diversify yakho iphothifoliyo yokubamba.
Ngaphezu kwalokho, lezi zigaba zempahla azixhunyanisiwe nezimakethe zamasheya futhi zinikeza inani eliphezulu lembuyiselo. Ngemuva kobhadane lwe-Covid-19, izimpahla zebhizinisi ziyatholakala ngezilinganiso ezishibhile, okukhulisa ukubuyisela kwakho.
Uzuza inzuzo yendlela engenayo eqhubekayo ngokutshala imali kulezi zimpahla. Endabeni yemali yebhizinisi, unethuba lokubamba iqhaza emananini aphansi kakhulu, ngaphambi kokufakwa ohlwini kwemakethe.
shiya impendulo